IDBI Bank Euphoria Credit Card

Lounge access

• Free lounge access at select airports in India (Mastercard India Lounge Program).
• No matter which airline or class you fly, the Euphoria Card offers use of select airport lounge facilities in India.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Forex markup

Cross currency mark-up of 3.5% over and above the cross-currency conversion rate for all international transactions.

Verified · MITC – IDBI Bank Credit Cards (covers Euphoria) · 2026-08-02 · source

Charge

• Charges (Schedule of Fees & Charges effective April 13, 2023 unless noted): Finance/Service charge (interest on revolving credit) 2.90% p.m. (34.80% p.a.).
• Interest on cash advances 2.90% p.m. (34.80% p.a.).
• Cash Advance Transaction Fee 2.5% of transaction amount or ₹500 whichever is higher.
• Foreign Currency Conversion / Cross Currency Mark up 3.5%.
• Late Payment Charges by statement balance: <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
• Over limit Fee 2.5% of over limit amount subject to minimum ₹500.
• Cheque/Auto Debit Return Charges ₹500.
• Cash Deposit Charges at IDBI Bank Branches towards Credit Card payment ₹200.
• Duplicate Statement Request ₹100 per statement (more than 03 months old).
• Card Replacement Fee ₹200.
• EMI Rate of Interest 13% p.a. (tenures 3,6,9,12,18,24,30,36 months).
• EMI Conversion Fees Nil.
• EMI Foreclosure Fees Nil.
• Reward Redemption Fee Nil.
• Card Account Closure Charges Euphoria - Nil.
• Charges on Purchase or Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
• Balance Transfer facility currently not provided.
• All fees and charges exclusive of applicable GST.

Verified · MITC – IDBI Bank Credit Cards (covers Euphoria) · 2026-08-02 · source

Interest-free period

• Interest free credit of up to 48 days on purchases (range 18 to 48 days, subject to scheme and merchant claim submission).
• Not applicable if previous month's balance is not cleared in full or if cash was availed from ATM.

Verified · MITC – IDBI Bank Credit Cards (covers Euphoria) · 2026-08-02 · source

Fuel surcharge waiver

• Complete waiver of 2.5% fuel surcharge on transactions of ₹400 - ₹5000 across all fuel stations.
• Maximum waiver of ₹500 per month (service tax applicable).
• Schedule (effective April 13, 2023) states waiver for transaction value min ₹400, max up to ₹5000, maximum waiver ₹500 per month.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Milestone benefit

• EMI Facility: convert purchases of ₹3000/- and above into Equated Monthly Installments over 3, 6, 9 or 12 months at nominal interest rates (13% p.a.).
• Qualifying spend threshold: ₹3000 per transaction.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Redemption value

• Delight points can be redeemed against a wide range of handpicked gifts and souvenirs or as cash back in your account.
• Points expiry: points credited to customers expire in 3 years.
• Points credited under a campaign or promotional offer expire in 1 year.
• Reward Redemption Fee: Nil.

Verified · MITC – IDBI Bank Credit Cards (covers Euphoria) · 2026-08-02 · source

Reward exclusion

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Travel benefit

Wider acceptance: card usable at over 9 lakh merchant establishments in India and over 29 million merchant establishments abroad.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Insurance

• Comprehensive Air Travel Accident Insurance Cover worth ₹25 lacs.
• For a claim to be accepted for processing, there should be a minimum of 2 purchase transactions within 90 days prior to event date.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Eligibility

• Add-on (Family) cards can be gifted to family members above 18 years.
• For new cards issued on or after October 01, 2022, the cardholder must activate the card within 30 days.

Verified · Card Usage Guide / Rewards & Program Terms – Euphoria Credit Card · 2026-08-02 · source

Official terms

https://www.idbi.bank.in/euphoria-credit-card.aspx.

Verified · Euphoria Credit Card product page · 2026-08-02 · source